• What the new government cap on care fees will mean for you

    The government recently announced a cap of £86,000 per person for long-term care fees, but this figure is misleading – we explain how the new cap works and the true costs you…

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  • How to pass on your pensions and minimise tax on your estate after you die

    Including your children and grandchildren in retirement planning can help the whole family. The quick read: It’s possible to pass pensions onto children or grandchildren tax efficiently. Financial advisers can decode complex rules around…

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  • Assessing your retirement investment risk appetite

    The level of investment risk that is right for you depends on a number of factors. An adviser can assist you in evaluating your options and produce a plan to help you…

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  • Be tax smart to help boost your retirement savings

    By using the allowances, reliefs and exemptions you’re entitled to, you can make your money work harder. The quick read: Retirement can seem a long way off when you’re in your 20s or…

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  • Use it or lose it: how tax allowances can help future-proof your finances

    It’s important to make the most of tax opportunities to help achieve your goals. The quick read: The biggest life plans tend to require solid financial foundations, from saving to buy a…

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  • 5 things you need to know about Inheritance Tax

    Inheritance Tax is complex. Here, we highlight its key exemptions and allowances – but to ensure you minimise your bill, seeking expert financial advice is a must. The quick read: Much of…

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  • Who pays for social care?

    At a glance: Your local authority is responsible for social care and will work out if you qualify for financial support. They will provide a means test to calculate whether you have…

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  • Do you have to sell your home to pay for care?

    At a glance It’s not always necessary to sell your home to fund long-term care. If you choose to receive in-home care, or if a spouse or dependent relative remains living in…

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  • Should I wait to access my pension?

    At a glance: If you can afford to leave your pension untouched for the near future, your money will remain invested and could grow into a larger savings pile – although there’s…

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  • What should I do if one of my parents needs care?

    At a glance Having a parent who needs long-term care can be very stressful, and people often don’t know where to turn for support. Our recommendation is to follow a five-step plan,…

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